Kodi munthu chifukwa ndalama? Kodi ndimatsegula munthu chifukwa ndalama?

Popeza 2015, Russia anapezerapo dongosolo latsopano la ndalama, amene anadza kwathunthu osapatsidwa misonkho. Osinthitsa si anasiya ndi zikhalidwe zina ndi okonzeka kupereka makasitomala awo pa madipoziti ndi nkhani payekha ndalama. Nchiyani, adzaphunzilanso pa nkhani imeneyi.

tanthauzo

Munthu Investment Account (IIS) angatsegule anthu lachibadwa, anthu a Russia ndi ziwongola dzanja zaogulitsa kampani. Mwini kuvumbitsira njira kuti angagwiritsidwe ntchito wotuluka yokha, kapena kusamusa iwo udindo. Nkhani zimenezi ndi wapadera msonkho boma. Features:

1. wokhala akhoza kutsegula chimodzi chokha munthu chifukwa ndalama.

2. The pazipita kuchuluka kwa ndalama - 400 000 rubles / chaka ..

3. Liwu la okha lanu: zaka 3-5.

4. chifukwa aliyense ndalama akhoza kudzadza, zochotsa tsankho si anapereka.

5. Ngati mgwirizano wasweka asanakalambe (pamaso pa lotha wa miyezi 36), kasitomala wotaya phindu lonse msonkho.

6. ndalama The akhoza padera mu Bank of zam'tsogolo.

7. Scores akhoza kumasulira pakati amkhalapakati.

Zosintha msonkho

Malinga IMS amapereka ziwembu awiri phindu:

1. m'munsi msonkho yafupika kuchuluka kwa zimene anali m'gulu la ndalamayi kwa chaka. Izi zikhoza kukhala chidwi anthu amene amalandira ndalama zofunika mu mawonekedwe a malipiro. Malipiro kumachitika pa mapeto a chaka monga deduction, pambuyo kunena 3-DZENJE.

Chitsanzo. Ndalama msonkho wantchito ndi 500 zikwi. Rubles. Ndi iye adzakhala analipira msonkho munthu kuchuluka kwa 65 zikwi. Opaka. (13%). Ngati miyezi 12 munthu kupanga mu IMS zofanana, izo zikanakhala recalculate m'munsi msonkho, kubwerera DZENJE. njira imeneyi, ngakhale ndalama zidapatsa pang'ono m'chaka (mpaka 13%) imfa. Danaus zilipo SP dera la chosavuta chiwembu msonkho, anapuma ndi ulova.

Aligorivimu deduction ofanana kuti ntchito ndi Mwachitsanzo, pamene kugula nyumba. Man anagula malo okhala. Kuyambira chaka chamawa, anayamba kusonkhanitsa zikalata kwa msonkho deduction, amene masamu zochokera malipiro zafotokozeredwa Buku 2-DZENJE. Adzakhala refunded yekha kuchuluka msonkho linaperekedwa mu lipoti nthawi yomweyo, pamene nyumba anagulidwa.

A njira imeneyi ntchito ndi IIS. ochepa okha kupereka kalata kwa wogula lapansi. Akuluakulu a zamisonkho adzakhala recalculate munthu analipira chaka chatha. Ngati si upambana rubles 400 zikwi., Ndiye 13% Mudzabwezedwa kwa ndalama zonse (ie. E. 52 chikwi. Pakani.). Kutsimikiza ntchito imeneyi ayenera kupereka umboni wa ntchito imene limasonyeza kuchuluka kwa msonkho operekedwa yapita malipoti nthawi. Kotero kuti makasitomala amene amalandira "neofitsialku", ngati chiwembu si kopindulitsa.

2. Full asandilembe kupereka msonkho kwa ndalama IMS. njirayi ndi yabwino ndalama yogwira.

Chitsanzo. Wazamalonda anaganiza kuti aganyali rubles 400 zikwi mu kampani ziwongola dzanja zaogulitsa. Zipatso ndi 30% ya ndalama padera. Kwa zaka 3 adzalandira 360 zikwi. Rubles. Kuyambira kuchuluka chimenenso adzachituta kulipira msonkho munthu ndalama (13%) mu kuchuluka kwa 46.800 rubles. Ngati anali IIS, ndiye Investor akanamvera ndalama bajeti. 360 zikwi. Opaka. adzakhala phindu ake ukonde.

Chiwembu cha ntchito ndi losavuta: kutsegula munthu chifukwa ndalama aganyali BCS → → → tiyeni iwo amakweza ipyole pa 36 mwezi phindu osaphatikiza msonkho munthu.

Chitsanzo. M'zaka 2015-2017 pa IMS kasitomala zimapangitsa Uwerenge 400 zikwi. Opaka. Ndipo kenako yemweyo ndalama kugula ndi kugulitsa Bank wa Central. Patatha zaka zitatu, muyezo anakwana rubles 200 zikwi, ndi phindu - 800 000 Pa miyezi 36, kasitomala anaganiza kutseka munthu chifukwa ndalama. Ndiye kodi anasankhidwa msonkho chachiwiri chiwembu, boma adzamasula izo kwa malipiro a msonkho munthu kuchuluka kwa 800 × 0.13 = 104 zikwi. Pakani. Kuti phindu, muyenera kupereka kalata kwa wogula, chimene miyezi ingapo izi zisanachitike 36, mtundu woyamba wa amachotsera sadafikeko.

Mayiwo angasankhe misonkho awo chiwembu kuti ndalama, koma simungathe kuphatikiza iwo mu muyezo wa nthawi. Anthu amene alibe lingaliro za Polankhula, IMS - bwino mabuku a ndalama ndi. The kupezeka ndalama, palibe chofunika kwambiri ndi kukhala bwino mu msika, luso kupeza ndalama kuti ndi wamkulu kuposa madipoziti banki, zolimbikitsa msonkho - zinthu zonsezi kupanga chida ichi ndithu wokongola kwa anthu. Pakuti speculators munthu chifukwa ndalama - ndi zina mwayi konza ndalama wanu mbiri.

zolakwa

Iwo osachepera ubwino:

1. munthu chifukwa ndalama - ndi yowopsa njira ndalama, amene si ataphimbidwa ndi boma.

2. chida Chotero ntchito desirably mu nyengo kukula.

3. malire a rubles 400 000. IMS sakutero wokongola kwambiri kwa ndalama lalikulu.

4. Inu simungakhoze basi kunyamula "Chabwino" ubwino msonkho.

5. zokolola - phindu ananeneratu, amene akhoza zimasiyana chaka ndi chaka. kampani, ngakhale kupeza phindu wamkulu, Zimalengeza mbali yaing'ono chabe ya izo. Muziona "chilungamo" kuwerengetsera zosatheka.

The drawback waukulu ngati ndale - chiopsezo. Patatha zaka zitatu, Bank ku Central mwina mwina kuwuka kapena kugwa mu mtengo. Choncho, nthawi zina ndi bwino kukana kwa ndalama ku nkhani payekha ndalama. RF Chilamulo "Pa sheya msika" ndipo ngakhale amasintha maganizo a ophunzira mu msika, koma chiwembu bwino chifukwa chothetsera pa ntchito ndi chida latsopano si sizinatchulidwe.

Munthu ndalama nkhani 2015: kuti muyambe

Lankhulani ndi a ziwongola dzanja zaogulitsa olimba, amene ndi katswiri ophunzira a msika katundu. Umwini akhale SA LLC kapena. Nthawi zambiri ndi AMC pa gombe lalikulu. IIS ntchito nadzawasankhula chuma padera mu msika katundu. chiwembu Izi ndi pang'ono lofanana ndi Ira. Koma ngati yotsirizira amapereka kuthekera kwa pochoka ndalama zokha pantchito kubwerera, ndi IIS nthawi zambiri kwa miyezi 36. The udindo saleka msonkho oletsa wogula lapansi. Ndalama kuchokera wotuluka amenewa masamu payokha. Kuti ndi kuyambanso chifukwa panopa ndi wogula pa IIS sindingakhoze.

ubwino

Mu nkhani wosakhazikika chuma n'zovuta kupeza yopindulitsa njira ndalama ya ndalama yochepa ufulu. Zopanda kwa kufufuma, ndalama kuchokera madipoziti banki yafupika ziro. Zikamera wa IMS akhoza athetse vutoli.

chida ichi chikhoza kukhala ndi chidwi makasitomala amene akufuna ndalama zambiri kuposa iwo angapereke mabanki malonda. Pakuika ndalama osati choposa 400 zikwi. Opaka., Munthu akhoza kupanga phindu (mpaka 13%) ndi munthu msonkho kubwerera, ngakhale iwo sanali transacted pa kuwombola ndi. Koma amene amadza chifukwa adzakhala pokhapokha ngati ndalama anali kupezeka. Ogwira ntchito AMC aliyense amalangiza zochita ndi njira ndalama. Kaya IIS njira amasankhidwa, ndi Investor akhoza kusinthanitsa opangidwa kuchokera ku Bank Central, kuonjezera ndalama zanu.

Pofuna ntchito ndalama mwanzeru angathe kutsegula akaunti ndalama munthu mu 2014 demotrenazhere kuphunzira m'matangadza malonda, kuphunzira nsanja kuwayang'anira kusintha kumene. Ndipo pamene inu nzeru zokwanira ndi kuchuluka kwa ndalama, tikhoza kupita mu tagwirizana weniweni.

phindu la State Kodi

Okayikira ndithu amati boma basi sapereka 52 chikwi. Opaka. pa chaka. Tikhoza kunena kuti ichi ndi boma malipira chikusintha kulemba chuma cha anthu. Mu Russia, anthu ambiri ali ndi maganizo okondera mu msika katundu. Kusokoneza ndi "Ndalama Zakunja", iwo aganyali kugula malo ndi madipoziti. Izi kumabwezera mmbuyo kwambiri kukula kwa chuma. N'zotheka kotero boma akufuna kulimbikitsa chitukuko.

Lomwe mwina ndi yabwino

Chinthu choyamba muyenera kulabadira - pamaso pa magwero a ndalama zomwe imvera msonkho munthu. Ngati Mulungu kulibe, ndiye aganyali ndalama bwino mu dera chachiwiri. ndalama Komanso kuwerengera ntchito ndalama opanda msonkho amachotsera. Osinthitsa kupereka circuitry zina phindu:

1. "Finam" ngongole Komanso mwezi 8% pa annum pa bwino ndalama.

2. BCS amapereka imodzi mwa njira ndalama zitatu ndi zokolola ankayembekezera 10-25%. Koma ndalama amenewa udzabwezeredwa palibe kale kuposa zaka 7-13.

Kafukufuku amasonyeza kuti IMS yopindulitsa kwa anthu ndi ndalama mwezi wa kuposa 35-40 zikwi. Rubles. Oimira kalasi pakati kulemba ndi kuwerenga zambiri mawu chuma, ndi mochititsa proactive. Yaitali ndalama wayamba chabe kukhala mu Russia. Chiphatso cha "otetezeka" KB yekha kulepheretsa ndondomeko imeneyi. Choncho, kuonjezera kulemba chuma cha anthu chingapezeke mwa kukonza yaitali. Kuyambira mfundo imeneyi, kachitidwe IMS ndi wowonjezera pantchito ndalama ndi ubwino msonkho kokha kuonjezera chikoka cha ndalama.

NPF AIS vs vs madipoziti

Chachikulu kusiyana kwagona kuti chida latsopano amalola zopalira nkhani kusankha chinthu kunyakhe. Okonza akuyenera kupereka ogula ndi ntchito, katundu ndi ntchito kuti kuchita zinthu zambiri ndi kusamalira chiopsezo. IMS - weniweni njira kuti madipoziti, amene m'mavuto ndi ndalama kubanki Central. Akatswiri ndikuyembekeza kuti nkhani ya chida latsopano ndalama apita ku msika katundu. Malingana ndi kafukufuku Sberbank-CIB, ndalama zakunja anali pafupifupi 70% ya magawo Russian kuti ali ndi ufulu zimatengedwa.

mchitidwe World

Munthu chifukwa ndalama akhala analipo ku maiko otukuka mu maonekedwe ena ndi ena: YES mu UK (gawo la 50% wa anthu), TFSA ku Canada, ndi Ira mu US (39%), etc. zida zimenezi zimathandiza anthu wamba kuonjezera ndalama pochita malonda .. mu msika katundu. lofanana Russian wakhala analenga kuonjezera chikoka mu maso a ndalama pagulu. Mu malamulo atsopano, ndalama amene ali zaka zoposa zitatu anali magawo kapena magawo, kenako anaganiza zogulitsa iwo, ndi osapatsidwa kulipira msonkho munthu.

Investment Akaunti payekha: Ndalama

Wogula BCS pamodzi ndi banki yomweyo ankachitika. Kumapeto kwa gawo akuti "ndalama chifukwa" ndi zokolola za 9,5% ya ndalama yonse umasamutsidwa ku Mis chisanafike lidatseguka AMC. Pankhaniyi, ndi kasitomala adzalandira bonasi zina 2.1% pa annum. Sberbank imathandizanso ogula kutsegula IIS. Terms of Service - muyezo. Mwayi kuonjezera zina likulu akadali akusowa.

chidule

01.01.2015 ndi ndalama latsopano chida anaonekera mu Russia - payekha chifukwa ndalama. Mukhoza tsegula mu AMC kwa nthawi ya osachepera 3 zaka. Ndi kusankha njira za ubwino msonkho ndi kufikako mosamala kwambiri: zoyambirira ndalama kungakupatseni kuchuluka kwa msonkho analipira ndalama zawo pa chaka. Njira yachiwiri yogwira ndalama amene amakhulupirira profitability cha ntchito zawo. Mutatero kusamutsa ndalama. Kusintha chisankho mu kuchitapo kanthu osati kutenga nthawi. Yatsopano chida - wabwino njira kuti gawo, chifukwa zimathandiza kuti ndalama apamwamba poyerekeza chakuti mabanki angathe kupereka.